Homeownership Program
With Habitat, you can own a home and build a brighter future.
Every day, Habitat for Humanity Capital Region partners with hardworking families and individuals who could use a hand up through decent, affordable housing. Since 1987, we have partnered with over 130 homebuyer families throughout Clinton, Eaton, and Ingham counties to help them discover the power of affordable homeownership.
Habitat houses aren't free. A home is an investment that lasts for generations. Every person who partners with Habitat for Humanity Capital Region to become a homeowner is making a personal and financial investment in their future, and the future is bright.
Benefits of buying a Habitat home: Habitat Capital Region’s Homeownership Program removes barriers and connects families with an affordable mortgage. Monthly house payments, including taxes and insurance, stay within 30% of household income. Each home is built to be durable, energy efficient, and accessible. Homebuyers receive financial education and hands-on training in maintenance, and Habitat staff continue to offer post-purchase support to help homeowners succeed.
How do you qualify for the Habitat Homeownership Program?
Habitat for Humanity Capital Region builds and rehabilitates homes in partnership with families and individuals who are in need of a safe, decent, and affordable place to live. Through an application process, qualified homebuyers are selected to purchase affordable homes that Habitat Capital Region builds or rehabilitates in Ingham, Eaton, and Clinton counties.
You must have need for housing.
This program is for people who do not currently own a home and whose current living situation is inadequate in some way.
You must be willing to partner with Habitat Capital Region.
Habitat homebuyers invest 150-250 hours of their own labor into building their house and the houses of others, and attend a series of homebuyer education classes.
You must have steady income within our income guidelines.
Habitat homes are not free. Habitat homeowners purchase their homes with an affordable mortgage.
Homeownership Program Application Process
Homeownership Program Income Guidelines
Your annual pre-tax income must fall within the income guidelines for your household size. The calculation of income will include earnings by all members of the household as well as other sources of verifiable and reliable income. These income guidelines are updated annually.
| Household size | |
|---|---|
| 1 | $28,476 – $56,952 |
| 2 | $32,544 – $65,088 |
| 3 | $36,612 – $73,224 |
| 4 | $40,680 – $81,360 |
| 5 | $43,934 – $87,869 |
| 6 | $47,189 – $94,378 |
| 7 | $50,443 – $100,886 |
| 8 | $53,698 – $107,395 |
Take the first step to becoming a Habitat homeowner
Attend an information session with our Homeowner Services team to learn more about the Homeownership Program and to decide if it is right for you.
Sign up for an orientation meeting
Equal Housing Opportunity
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
